Processing

Please wait...

Settings

Settings

Goto Application

1. WO2014078241 - A SYSTEM FOR SECURE MERCHANT AND NON-MERCHANT TRANSACTIONS

Publication Number WO/2014/078241
Publication Date 22.05.2014
International Application No. PCT/US2013/069492
International Filing Date 11.11.2013
Chapter 2 Demand Filed 12.09.2014
IPC
H04L 9/32 2006.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Arrangements for secret or secure communication
32including means for verifying the identity or authority of a user of the system
G06K 19/06 2006.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
19Record carriers for use with machines and with at least a part designed to carry digital markings
06characterised by the kind of the digital marking, e.g. shape, nature, code
CPC
G06Q 20/24
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
24Credit schemes, i.e. "pay after"
G06Q 20/3274
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
327Short range or proximity payments by means of M-devices
3274using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
G06Q 20/3276
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
327Short range or proximity payments by means of M-devices
3276using a pictured code, e.g. barcode or QR-code, being read by the M-device
G06Q 20/3823
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
3823combining multiple encryption tools for a transaction
G06Q 20/409
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
409Card specific authentication in transaction processing
Applicants
  • JAFFE, Jonathan, E. [US]/[US]
Inventors
  • JAFFE, Jonathan, E.
Agents
  • THIMMIG, David, M.
Priority Data
61/726,31314.11.2012US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) A SYSTEM FOR SECURE MERCHANT AND NON-MERCHANT TRANSACTIONS
(FR) SYSTÈME POUR DES TRANSACTIONS DE COMMERÇANT ET NON DE COMMERÇANT UTILISANT DES COMMUNICATIONS NON RAYONNANTES SÉCURISÉES TOUT EN PERMETTANT UNE FONCTIONNALITÉ SUPPLÉMENTAIRE SÉCURISÉE
Abstract
(EN)
Methods, apparatuses, non-transitory computer program products, systems, and mobile terminal devices are disclosed for performing wireless financial transactions which separate an account identification and transaction authorization from a single charge card into two separate elements, which include at least an encrypted account identifier and a transaction-adaptive, context sensitive, dynamically content-rich, transaction authorization.
(FR)
L'invention concerne des procédés, des appareils, des produits programme d'ordinateur non transitoires, des systèmes et des dispositifs de terminal mobile pour réaliser des transactions financières sans fil qui séparent une identification de compte et une autorisation de transaction d'une carte de paiement unique en deux éléments séparés, qui comprennent au moins un identificateur de compte chiffré et une autorisation de transaction s'adaptant à la transaction, sensible au contexte, enrichie dynamiquement en contenu.
Also published as
Latest bibliographic data on file with the International Bureau